Topic: Is it better to save money or invest it? - page 691. (Read 1181208 times)

Quote from: BTCevo on May 28, 2015, 01:02:15 PM

Every investment have a high risk.

Not every investments IMO. Safe deposits is also a form of investment and it is low risk especially if the bank is backed out by the government. It seems like you are assuming that every investment is indeed a HYIP by the tone that you judge that every investment are always high risk

I know safe deposit is one of a form invesment but the interest you got is so low and you need like high cash when do a deposit so you will earn like about 3-5%. If you just save it little by little I dont think that will good enough to earn some good cash.

It is actually up yo 7.5 % (mostly) per year depends on the your principal either, higher principal will get you more interest rate though. Even if the interest is low but it is still better than any type of other investment that are advertising high nonsense interest rates within short amount of time.

Actually safe deposits isnt a way to "earn" for living. People put their money on safe deposits because they got more than what they needed for living. In accordance to this thread, better to save or invest it, safe deposits would be the answer for it because it is on the middle of both investing and saving

the only problem with this is that your money are locked for the entire period, you can't get back your principal until the whole time has passed, what if you need them for a emergency? you are screwed, so they still hold a % of risk

maheshmahi

newbie

Activity: 56

Merit: 0

My opinion is to save with gold or real estate or save in any bank but don't go for online investment. It cannot be trusted

Dotakels

sr. member

Activity: 490

Merit: 255

Quote from: Dotakels on May 28, 2015, 01:22:27 AM

I said that you can cover your lost in other investment by investing in another investment. And i think you are thinking that both of your investment will loss or failed? i think it won't happened because you will choose the right investment and you know that your money or coins will be safe from that invesment. :3

But you must make sure that is a good investment or legit one to cover the lost one, if one of them is lost you will get a loss altough you get some from others but still it can't cover it all. If I choose both of the the good one, it must be a little payment so why dont you gamble and choose others (not a ponzi type) investment, you can earn more with that

Yeah you must sure and you know what is the good and bad because you are old enough to make a decision and you know that decision is right.

arallmuus

legendary

Activity: 2562

Merit: 1414

Quote from: BTCevo on May 28, 2015, 01:02:15 PM

Quote from: arallmuus on May 27, 2015, 03:24:18 PM

Quote from: arallmuus on May 27, 2015, 03:24:18 PM

Every investment have a high risk.

Not every investments IMO. Safe deposits is also a form of investment and it is low risk especially if the bank is backed out by the government. It seems like you are assuming that every investment is indeed a HYIP by the tone that you judge that every investment are always high risk

I know safe deposit is one of a form invesment but the interest you got is so low and you need like high cash when do a deposit so you will earn like about 3-5%. If you just save it little by little I dont think that will good enough to earn some good cash.

It is actually up yo 7.5 % (mostly) per year depends on the your principal either, higher principal will get you more interest rate though. Even if the interest is low but it is still better than any type of other investment that are advertising high nonsense interest rates within short amount of time.

Actually safe deposits isnt a way to "earn" for living. People put their money on safe deposits because they got more than what they needed for living. In accordance to this thread, better to save or invest it, safe deposits would be the answer for it because it is on the middle of both investing and saving

BTCevo

legendary

Activity: 1834

Merit: 1008

Quote from: Dotakels on May 28, 2015, 01:22:27 AM

Every investment have a high risk.

Not every investments IMO. Safe deposits is also a form of investment and it is low risk especially if the bank is backed out by the government. It seems like you are assuming that every investment is indeed a HYIP by the tone that you judge that every investment are always high risk

I know safe deposit is one of a form invesment but the interest you got is so low and you need like high cash when do a deposit so you will earn like about 3-5%. If you just save it little by little I dont think that will good enough to earn some good cash.

I said that you can cover your lost in other investment by investing in another investment. And i think you are thinking that both of your investment will loss or failed? i think it won't happened because you will choose the right investment and you know that your money or coins will be safe from that invesment. :3

But you must make sure that is a good investment or legit one to cover the lost one, if one of them is lost you will get a loss altough you get some from others but still it can't cover it all. If I choose both of the the good one, it must be a little payment so why dont you gamble and choose others (not a ponzi type) investment, you can earn more with that

Erza

legendary

Activity: 1078

Merit: 1000

Quote from: jerol31 on March 26, 2015, 08:25:04 AM

Invest most of it but into several potentially profitable projects. Save 20%.

Diversify your principal between saving and investing is indeed a right way to do it but rather than investing into several "investment" , it will be better if people put it into one solid "investment" of his own choice. In this case , deposits could be an option, safe and easy with just a signature on a piece of paper.

P.S: BTC itself is a form of investment as well if you believe it long term strategy Wink

But if you put all your money or solid your money in just one investment and if that investment was failed you don't have left any money, so that its better to diversify your money or make business that make you earn money and can take over the loss in your investment.

But its too risky to diversify your money scattered all of the invesments. If you loss there is no guarantee you will cover it with others invesments and

the payout you got is never higher than one solid invesment that will make your return is slower

Investments are always risky, but it's that risk that you're counting on and you wont get anywhere without taking risks. It's about not putting all your eggs in one basket and certainly not investing more than you can afford to lose. Sometimes people take the risk and go all in and sometimes it pays off massively, but of course at the other end of the spectrum is failure and bankruptcy but only the person can decide what to do but nobody ever gets anywhere in investments without having faith or taking that leap.

But if the risk is high enough I will not get there to invest altough it will pay a lot because that investment sure is not a good one to be invested. I

will say no to leaping, having faith is good enough some people have a great luck and suddenly get a good leap I think that is possible

cbase

full member

Activity: 224

Merit: 100

Is it better to save money in bank or invest it online, in real estate or maybe gold?

It depends on so many things I think. Vastly on the investors financial condition. It's pretty simple, it generally goes high risk investment, high expected return but then there's the role of risk which essentially is the principle factor deciding investment or saving.
So even though the question is pretty simple, people spend hours trying to find the 'right' answer to that.

EternalWingsofGod

hero member

Activity: 700

Merit: 500

Quote from: jerol31 on March 26, 2015, 08:25:04 AM

Is it better to save money in bank or invest it online, in real estate or maybe gold?

This is a classic question its a tough call, some money should be held in a bank for a rainy day in a fairly secure mechanism that way its easy to access, the less liquid capital like real estate and gold are also reasonable investments.
That said debt is a pain so its best to remove that if the interest rate you pay is higher than any return then to invest accordingly to risk preference and need for liquidity.

Dotakels

sr. member

Activity: 490

Merit: 255

Invest most of it but into several potentially profitable projects. Save 20%.

Diversify your principal between saving and investing is indeed a right way to do it but rather than investing into several "investment" , it will be better if people put it into one solid "investment" of his own choice. In this case , deposits could be an option, safe and easy with just a signature on a piece of paper.

P.S: BTC itself is a form of investment as well if you believe it long term strategy Wink

But if you put all your money or solid your money in just one investment and if that investment was failed you don't have left any money, so that its better to diversify your money or make business that make you earn money and can take over the loss in your investment.

But its too risky to diversify your money scattered all of the invesments. If you loss there is no guarantee you will cover it with others invesments and

the payout you got is never higher than one solid invesment that will make your return is slower

Investments are always risky, but it's that risk that you're counting on and you wont get anywhere without taking risks. It's about not putting all your eggs in one basket and certainly not investing more than you can afford to lose. Sometimes people take the risk and go all in and sometimes it pays off massively, but of course at the other end of the spectrum is failure and bankruptcy but only the person can decide what to do but nobody ever gets anywhere in investments without having faith or taking that leap.

Every investment have a high risk. The point is how are you manage that investment so you will get your money in a good payment, that is how are you going to do, sort some investments that is really good to invest. No matter you put all in one basket or spread it to others if you can manage it well I think its ok and sure you will get a lot from it.

I said that you can cover your lost in other investment by investing in another investment. And i think you are thinking that both of your investment will loss or failed? i think it won't happened because you will choose the right investment and you know that your money or coins will be safe from that invesment. :3

arallmuus

legendary

Activity: 2562

Merit: 1414

Every investment have a high risk.

Not every investments IMO. Safe deposits is also a form of investment and it is low risk especially if the bank is backed out by the government. It seems like you are assuming that every investment is indeed a HYIP by the tone that you judge that every investment are always high risk

Investments are always risky

Risky yes, high risk not always

Invest most of it but into several potentially profitable projects. Save 20%.

Diversify your principal between saving and investing is indeed a right way to do it but rather than investing into several "investment" , it will be better if people put it into one solid "investment" of his own choice. In this case , deposits could be an option, safe and easy with just a signature on a piece of paper.

P.S: BTC itself is a form of investment as well if you believe it long term strategy Wink

But if you put all your money or solid your money in just one investment and if that investment was failed you don't have left any money, so that its better to diversify your money or make business that make you earn money and can take over the loss in your investment.

Depending on how risky it is I would say, if you could find one solid investment, in this case it is better to diversify less rather than diversify more into more bogus investment. Sadly most people are always tempted to put in all of their saving in "investment" and will always try to find more bogus investment that give nonsense interest rate. Nonetheless, human greed, the feeling of wanting more and more.

BTCevo

legendary

Activity: 1834

Merit: 1008

Invest most of it but into several potentially profitable projects. Save 20%.

Diversify your principal between saving and investing is indeed a right way to do it but rather than investing into several "investment" , it will be better if people put it into one solid "investment" of his own choice. In this case , deposits could be an option, safe and easy with just a signature on a piece of paper.

P.S: BTC itself is a form of investment as well if you believe it long term strategy Wink

But if you put all your money or solid your money in just one investment and if that investment was failed you don't have left any money, so that its better to diversify your money or make business that make you earn money and can take over the loss in your investment.

But its too risky to diversify your money scattered all of the invesments. If you loss there is no guarantee you will cover it with others invesments and

the payout you got is never higher than one solid invesment that will make your return is slower

Investments are always risky, but it's that risk that you're counting on and you wont get anywhere without taking risks. It's about not putting all your eggs in one basket and certainly not investing more than you can afford to lose. Sometimes people take the risk and go all in and sometimes it pays off massively, but of course at the other end of the spectrum is failure and bankruptcy but only the person can decide what to do but nobody ever gets anywhere in investments without having faith or taking that leap.

Every investment have a high risk. The point is how are you manage that investment so you will get your money in a good payment, that is how are you going to do, sort some investments that is really good to invest. No matter you put all in one basket or spread it to others if you can manage it well I think its ok and sure you will get a lot from it.

Neg

full member

Activity: 224

Merit: 100

Quote from: Amph on May 27, 2015, 03:00:51 AM

Invest most of it but into several potentially profitable projects. Save 20%.

Diversify your principal between saving and investing is indeed a right way to do it but rather than investing into several "investment" , it will be better if people put it into one solid "investment" of his own choice. In this case , deposits could be an option, safe and easy with just a signature on a piece of paper.

P.S: BTC itself is a form of investment as well if you believe it long term strategy Wink

But if you put all your money or solid your money in just one investment and if that investment was failed you don't have left any money, so that its better to diversify your money or make business that make you earn money and can take over the loss in your investment.

But its too risky to diversify your money scattered all of the invesments. If you loss there is no guarantee you will cover it with others invesments and

the payout you got is never higher than one solid invesment that will make your return is slower

Investments are always risky, but it's that risk that you're counting on and you wont get anywhere without taking risks. It's about not putting all your eggs in one basket and certainly not investing more than you can afford to lose. Sometimes people take the risk and go all in and sometimes it pays off massively, but of course at the other end of the spectrum is failure and bankruptcy but only the person can decide what to do but nobody ever gets anywhere in investments without having faith or taking that leap.

Light

hero member

Activity: 742

Merit: 502

Circa 2010

Differentiate, differentiate, differentiate.

Invest most of it but into several potentially profitable projects. Save 20%.

too much differentiation isn't good either, better to choose 2-3 good investments and follow those otherwise you will only lose yourself and also your chance of getting into a scam investments will increase

Depends on how risky those investments are. If you're in low a risk investment (i.e. low risk shares) then you can afford to differentiate less as it's less likely that they'll fall rapidly in value. Nonetheless, it's still always a good idea to invest in different financial instruments as well as different businesses - having an investment in the housing market will insulate you from a falling share market for example.

Amph

legendary

Activity: 3248

Merit: 1070

Differentiate, differentiate, differentiate.

Invest most of it but into several potentially profitable projects. Save 20%.

too much differentiation isn't good either, better to choose 2-3 good investments and follow those otherwise you will only lose yourself and also your chance of getting into a scam investments will increase

Erza

legendary

Activity: 1078

Merit: 1000

Invest most of it but into several potentially profitable projects. Save 20%.

Diversify your principal between saving and investing is indeed a right way to do it but rather than investing into several "investment" , it will be better if people put it into one solid "investment" of his own choice. In this case , deposits could be an option, safe and easy with just a signature on a piece of paper.

P.S: BTC itself is a form of investment as well if you believe it long term strategy Wink

But if you put all your money or solid your money in just one investment and if that investment was failed you don't have left any money, so that its better to diversify your money or make business that make you earn money and can take over the loss in your investment.

But its too risky to diversify your money scattered all of the invesments. If you loss there is no guarantee you will cover it with others invesments and

the payout you got is never higher than one solid invesment that will make your return is slower

Dotakels

sr. member

Activity: 490

Merit: 255

Quote from: arallmuus on May 21, 2015, 01:28:58 PM

Invest most of it but into several potentially profitable projects. Save 20%.

Diversify your principal between saving and investing is indeed a right way to do it but rather than investing into several "investment" , it will be better if people put it into one solid "investment" of his own choice. In this case , deposits could be an option, safe and easy with just a signature on a piece of paper.

P.S: BTC itself is a form of investment as well if you believe it long term strategy Wink

But if you put all your money or solid your money in just one investment and if that investment was failed you don't have left any money, so that its better to diversify your money or make business that make you earn money and can take over the loss in your investment.

deisik

legendary

Activity: 3486

Merit: 1280

English ⬄ Russian Translation Services

Quote from: deisik on May 21, 2015, 12:16:14 PM

Do you really think that in case of warfare your bank deposit will be safer that the papers of the state this bank is located in and governed by? Just compare the number of banks going bust and states defaulting on their obligations...

You miss out my point . My point is not about warfare, Im stating that goverment debt are risky since it requires some knowledge but it is the safest bet out there if you know how things works of course and not everyone have the "knowledge" for that and that is why I am still on my decision that bank deposits are much more "safer" since it requires no knowledge and all you need is to sign on a piece of paper

How is that? I guess it is by far more difficult to choose which bank to put your money in than choosing between which government bonds to buy (from a safety view-point, of course). It may come as surprise to you but short-term government bonds are rightfully considered as just another form of money, so their risk is essentially the same as that of a currency the bonds are denominated in. Thereby your risk is actually multiplied when you put your money in a bank...

If your point is not about warfare, why did you mention wars then?

arallmuus

legendary

Activity: 2562

Merit: 1414